ࡱ> `  <bjbj   80!4d!tX!""""K$$T%,WWWWWWW$nZh\WEK%)$"K$K%K%W"":X&&&K%^""W&K%W&&PU"! I %RFUPX0XR>]%6]U]UK%K%&K%K%K%K%K%WW&K%K%K%XK%K%K%K% D :X  STATE OF IOWA Department of Administrative Services Calculation of Mortgage Interest Differential This calculation computes the payment required to reduce a persons new mortgage to an amount that can be amortized at the same monthly payment for principal and interest over the same time period as the remaining term on the old mortgage. This payment is commonly known as the buydown. The remaining principal balance, the remaining term, the interest rate and the monthly principal and interest payments for the old mortgage, as well as the interest rate and amount of the new mortgage must be known. If the interest rate on the new mortgage exceeds the prevailing fixed interest rate for conventional mortgages, the prevailing fixed interest rate shall be used in the calculation. OLD MORTGAGE:Annual interest rate (round to 6 decimals)# payments remainingMonthly payment prin. & Int.Remaining principal balance on old mortgage (whole Dollars)Example7.5%174$472.20$50,000Actual FORMTEXT % FORMTEXT       FORMTEXT $ FORMTEXT $ NEW MORTGAGE:Annual interest rate (round to 6 decimals)# payments remainingMonthly payment prin. & Int.Amount to be financed on new mortgage (whole Dollars)Example10%174$472.20$43,292.21Actual FORMTEXT % FORMTEXT       FORMTEXT $ FORMTEXT $ MORTGAGE INTEREST DIFFERENTIAL Old Mortgage ( Remaining principal balance ) minus New Mortgage ( Amount to be financed ).Remaining principal balance on old mortgage (whole Dollars)Example$50,000 - $43,292.21$6,707.79Actual FORMTEXT $ FORMTEXT $ MORTGAGE INTEREST DIFFERENTIAL REDUCTION: If the new mortgage is less than the Amount to be financed, the mortgage interest differential shall be reduced by the factor of the new mortgage divided by the Amount to be financed. 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Dec. 2004 Normal.dotpcook17Microsoft Office Word@0@ @*I1՜.+,0( hp  DAS-HRE ;CFN 552-0703 Calculation of Mortgage Interest Differential Title  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{}~Root Entry FIData |1Table$^WordDocumentSummaryInformation(DocumentSummaryInformation8CompObjq  FMicrosoft Office Word Document MSWordDocWord.Document.89q